The Savings Bank

A savings account from The Savings Bank can help you save for a rainy day, or plan for retirement. Above all, we have an account for anyone and everyone.

*Annual Percentage Yield (APY) and rates effective 9/28/2022. Subject to change without notice.

Personal Checking Accounts

Account

Balance to Earn APY

Interest Rate

APY*

e-Checking & Interest Checking

Tier 1

$10 – $9,999.99

0.025%

0.025%

Tier 2

$10,000 and over

0.050%

0.050%

Premium Checking

Tier 1

$10 - $2,499.99

0.025%

0.025%

Tier 2

$2,500 - 24,999.99

0.050%

0.050%

Tier 3

$25,000 - $99,999.99

0.075%

0.075%

Tier 4

$100,000 and over

0.100%

0.100%

Bonus CD Rate - Add .05 basis points to CD Rate. (With a combined deposit relationship minimum daily balance of $25,000)

Wealth Checking¹

Exclusively for First Financial Trust clients

$10 - $4,999.99

0.050%

0.050%

$5,000 and over w/ Direct Deposit

0.250%

0.250%

Minimum opening deposit: $50.00. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account.
1. If a Wealth Checking account holder is no longer a client of FFT, the Wealth Checking account reverts to a Basic Checking. 

Personal Savings Accounts

Account

Balance
to Earn APY

Interest Rate

APY*

Companion Savings Account¹

$10.00

0.100%

0.100%

Statement Savings

$10.00

0.075%

0.075%

Passbook Savings

$10.00

0.025%

0.025%

The C.L.U.B. For Young Savers

None

0.025%

0.025%

Holiday Club

None

0.025%

0.025%

Minimum opening deposit: $10.00. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account.

¹Companion Savings Account must be opened and funded in conjunction with a Certificate of Deposit (CD); a one-time deposit not to exceed the amount of the CD. No minimum opening deposit. Withdrawals must be conducted in person. No ACH transactions are allowed. Non-transferable to any other CDs.

Personal Money Market & Investment Savings Accounts

Account

Balance to Earn APY

Interest Rate

APY*

Consumer Money Market

Tier 1

$10 - $2,499.99

0.010%

0.010%

Tier 2

$2,500 - $9,999.99

0.025%

0.025%

Tier 3

$10,000 - $24,999.99

0.050%

0.050%

Tier 4

$25,000 - $49,999.99

0.100%

0.100%

Tier 5

$50,000 - $99,999.99

0.150%

0.150%

Tier 6

$100,000 and over

0.300%

0.300%

Investment Savings

Tier 1

$10 - $2,499.99

0.025%

0.025%

Tier 2

$2,500 and over

0.100%

0.100%

Minimum opening deposit: $2,500.00. No interest is accrued on any day that the balance is less than $10.00. Service fees may reduce earnings on the account.

Kasasa Rates and Qualification Cycles

Current Rates

Account

Minimum Opening Deposit

Balance
to Earn APY

Interest Rate

APY*

Kasasa Cash

$50.00

$0 - $14,999.99

1.982%

2.000%

$15,000 and over

0.200%

2.000% - 0.430%

If qualifications are not met, all balances earn

0.050%

0.050%

Kasasa Saver

$10.00

$0 - $24,999.99

1.000%

1.000%

$25,000 and over

0.200%

1.000% - 0.360%

If qualifications are not met, all balances earn

0.050%

0.050%

*Annual Percentage Yield (APY) and rates effective 1/1/2022. Subject to change without notice. Service fees may reduce earnings on the account.

Qualification Cycles

Qualification cycle is the period of time in which a customer must have at least twelve (12) POS/ATM transactions post and settle to the account, have at least one (1) automatic payment or direct deposit post and settle and be enrolled in paperless eStatement notifications. These qualifications must be completed starting on or after the Begin Date and ending no later than the End Date.

Qualification Cycle

Begin Date

End Date 

January 

12/31/21

1/27/22

February 

1/28/22

2/24/22

March 

2/25/22

3/30/22

April 

 3/31/2022 

4/28/22

May 

4/29/22

5/30/22

June 

5/31/22

6/29/22

July 

6/30/22

7/28/22

August 

7/29/22

8/30/22

September 

8/31/22

9/29/22

October 

9/30/22

10/27/22

November 

10/28/22

11/29/22

December

11/30/22

12/29/22

*Annual Percentage Yield (APY) and rates effective 1/1/2022. Subject to change without notice.

Business Money Market Accounts

Account

Balance to Earn APY

Interest Rate

APY*

Business Money Market

Tier 1

$10 - $24,999.99

0.025%

0.025%

Tier 2

$25,000 - $49,999.99

0.050%

0.050%

Tier 3

$50,000 - 99,999.99

0.100%

0.100%

Tier 4

$100,000 - 249,999.99

0.200%

0.200%

Tier 5

$250,000 - $499,999.99

0.250%

0.250%

Tier 6

$500,000 and over

0.350%

0.351%

Minimum opening deposit: $2,500.00. No interest is accrued on any day the balance is less than $10.00.

Interest on Lawyer Trust (IOLTA)

Account

Balance to Earn APY

Interest Rate

APY*

Interest on Lawyer Trust (IOLTA)

$10

0.750%

0.750%

Minimum opening deposit: $10.00. No interest is accrued on any day the balance is less than $10.00.

Deposit Insurance

Each depositor is insured by the FDIC to at least $250,000. All deposits above the FDIC insurance amount are insured by the Depositors Insurance Fund (DIF). Click for information about Deposit Insurance.

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our branch locationsuse our contact form, or call us at 800-246-2009.

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